Fair Isaac Corp
In the published model solve dated 2026-Q2, anchored at $1153.57, Fair Isaac Corp (FICO) is priced for +16.1% growth. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed July 26, 2026 from SEC EDGAR filings.
• The Scores business converts ninety cents of every revenue dollar into operating profit, because producing one more credit score costs almost nothing and the price is set by a supplier for which lenders have no ready substitute. • Both engines behind the recent surge are borrowed rather than built: the company attributes the gain to ⟦a higher unit price and an increase in volume of mortgage originations⟧, one a pricing decision that attracts regulatory attention, the other a rate cycle nobody
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828 institutional managers reported holding FICO in 13F filings for the quarter ended 2026-03-31. Together they hold about 90% of the company; the top 10 hold 48%. 89 opened new positions that quarter. Held by Vanguard Group, BlackRock, State Street, among others. On the short side, 2.0M shares were sold short as of the 2026-06-15 count, about 9% of shares outstanding (6.8 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
FICO has cut its share count 17.6% over the past five years, spending $4.88B on repurchases. It pays no dividend. Cash returned over the past three years: $3.15B in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
No open-market insider buys on file at FICO over the trailing three years. Absence is a fact about the company, not a signal. 16 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
FICO's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-03 | +3.1% | +0.9% |
| 2023-11-09 | +2.6% | +26.2% |
| 2024-01-26 | -6.2% | +4.5% |
| 2024-04-26 | -6.9% | +34.0% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
FICO's latest 8-K filings: 2026-07-29 (items 2.02, 9.01); 2026-06-08 (items 1.01, 2.03, 8.01, 9.01); 2026-04-28 (items 2.02, 9.01); 2026-03-20 (items 1.01, 2.03, 9.01); 2026-03-11 (items 8.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 26, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.